Ramp
Plus
$15.00 × 10 seats$150.00
× 12 months$1,800.00
Per year
$15.00 per person / mo
$1,800
Plus a base fee
Ramp vs Novo
Compare with for .
Ramp
55%
match · $1,800/yr
Novo
54%
match · $0/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Novo
Free
Free to use$0.00
Per year
$0
Free to start
Ramp
From $15Free plan
G2 4.8 · 2,546 reviewsFunded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank.
vs
Novo
From FreeFree plan
G2 3.5 · 11 reviewsFreelancers, consultants and sole proprietors who want free business checking and simple tools.
Side by side
| Ramp | Novo | |
|---|---|---|
| Pricing | Free; Plus $15/user/month + platform fee | Free checking; some transfer fees |
| G2 Rating | 4.8 (2,546 reviews) | 3.5 (11 reviews) |
| Best For | Funded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank. | Freelancers, consultants and sole proprietors who want free business checking and simple tools. |
Pros and cons
Ramp
Pros
- Strong expense and AP automation
- Interest-bearing checking with no minimum
- Free plan covers a lot
- Free wires through bill pay
Cons
- Requires $25,000 in cash to qualify
- Plus adds a platform fee on top of per-user pricing
- Sole proprietors not accepted
Novo
Pros
- Accepts sole proprietors
- Free checking with ATM fee refunds
- Simple cashback card
- Broad small-business integrations
Cons
- FDIC coverage limited to $250,000
- Outgoing domestic wires up to $30
- No native international wires or treasury
Emily Rodriguez